Looking for insurance for parents visiting USA? Here are the best options.
Parents always want what’s best for their children, especially when it comes to travel. Being NRIs living abroad, now it’s your turn to take care of your parents. No parent wants to think about what could go wrong on a trip, but it’s important to be prepared for anything. That’s where travel insurance comes in. Travel insurance can provide peace of mind and protection in the event of an emergency. It’s especially important for parents traveling with their children.
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Types of travel insurance
There are many different types of travel insurance, and the type you need will depend on your trip. Some common types of travel insurance include:
Trip Cancellation Insurance:
This type of insurance reimburses you for non-refundable trip expenses if you have to cancel your trip for a covered reason, such as sickness, injury, or jury duty.
Trip Interruption Insurance:
This type of insurance reimburses you for non-refundable trip expenses if you have to interrupt your trip for a covered reason, such as sickness, injury, or jury duty.
This type of insurance covers your medical expenses if you get sick or injured while on your trip.
This type of insurance covers the cost of evacuating you from an area in the event of a natural disaster or other emergencies.
This type of insurance covers the cost of replacing lost, stolen, or damaged baggage.
Best Travel Insurance for Parents Visiting USA
Here are the best travel insurance plans for parents visiting USA.
- Atlas America
- Patriot America Plus
- Safe Travels USA
- Visitor Secure and
- Safe Travels USA Comprehensive
1. Atlas America
Atlas America is a top-rated travel insurance plan for USA. It offers up to $2,000,000 in medical coverage to US visitors through this plan. It’s available to any non-U.S citizen visiting the USA and can be bought from five days to two years.
What makes Atlas America interesting is that it covers the insurer against medical emergencies and acute onset of pre-existing conditions. Medical emergencies like hospital admissions, ambulance services, intensive care unit etc are covered under this plan.
For someone visiting the USA for a longer period (say, for example, six months or more) this travel insurance is an excellent plan.
2. Patriot America Plus
Administered by one of the most well-reputed insurance companies in the USA – IMG Global, Patriot America Plus is a well-designed travel insurance plan for USA.
It is underwritten by Sirius International and offers good benefits to US visitors. Under this plan, after the deductible is paid, the company pays 100% in-network and 80% up to $5,000 outside the network (then 100%).
Almost all major emergencies, hospital visits, urgent care, prescription drugs, and treatments are covered under this plan.
3. Safe Travels USA
Another superstar insurance plan from Trawick International, Safe Travels USA is a great plan for those visiting USA, and are under 90 years of age.
This plan use the First Health PPO network, a widely popular hospital and provider network in USA. You won’t have any problem finding a hospital/doctor near you with this plan.
The highlight of this plan is that the deductible options are varied and range from $0 to $5,000. For in-network coverage, this plan pays 100% of the policy maximum.
Also, Safe Travels USA is one of those few plans that pay up to $1000 of covered expenses in case of sudden recurrence of pre-existing conditions.
It’s also one of those few plans that provide a $50,000 policy maximum for persons aged 80 – 89 years. This makes it a popular travel insurance plan for folks in that age range.
4. Visitor Secure
Administered by Tokio Marine HCC MIS group and underwritten by Lloyd’s of London, Visitor Secure is a good travel insurance plan for the U.S.
It’s a low-cost plan and the benefits are limited. The highlight of this plan is that you can visit any Doctor of your choice. The disadvantage is that the plan only pays a fixed amount for expenses.
So let’s say the plan decides the cost for hospital admission is $1000 when the actual bill is $2000, you have to pay $1000 out of pocket. Yikes!
But for those looking for a cheap plan, Visitors Secure is a great choice.
5. Safe Travels USA Comprehensive
Administered by Trawick International and underwritten by GBG Insurance Pvt Ltd, Safe Travels USA Comprehensive is a great plan for US visitors.
Under this plan, you can choose from $50,000 to $1,000,000 for medical policy maximum. Outside of the network, the plan pays 80% of the first $5,000 and 100% thereafter for covered expenses after the deductible is satisfied.
It offers coverage for unfortunate situations like baggage loss, trip interruption, accidental death, etc.
Types of Travel Insurance for Parents Visiting USA
There are essentially two types of insurance plans for parents visiting USA.
Fixed Coverage Insurance Plans for Parents
This will only cover a portion of your medical expenditures; the rest is your responsibility. If the “fixed amount” is modest and the medical cost is considerable, you will have to pay a large portion yourself.
How to choose travel insurance for parents
When choosing travel insurance for parents visiting the USA, it is important to consider the type of coverage you need and the length of time your parents will be visiting the USA. You should also consider the age of your parents and any medical conditions they may have.
Some travel insurance policies will cover medical expenses, while others will only cover emergency medical expenses. It is important to read the policy carefully to understand what is and is not covered.
It is also important to consider the deductible or the amount you would have to pay out-of-pocket before the insurance company would pay for any expenses. A higher deductible may mean a lower premium, but it is important to make sure you can afford the deductible if you need to use the insurance.
Finally, you should check with your parent’s health insurance company to see if they have any coverage for medical expenses incurred while traveling outside of the USA.
Things to consider when buying travel insurance for parents
There are a few things to consider when buying travel insurance for parents visiting the USA. The first is whether they need medical coverage. If they do, then you’ll want to make sure the policy covers medical expenses in the USA. You’ll also want to make sure the policy covers any pre-existing medical conditions they may have.
Another thing to consider is what type of activities they’ll be doing while in the USA. If they’re planning on doing any adventurous activities, then you’ll want to make sure the policy covers those as well. You’ll also want to make sure the policy covers any lost or stolen belongings.
Finally, you’ll want to make sure the policy has a good customer service reputation. You don’t want to be stuck with a policy that’s difficult to deal with if something goes wrong.
There are a number of acute onset conditions which can be exacerbated by pre-existing conditions. For example, someone who suffers from asthma may have an attack triggered by a cold or other respiratory infection.
Similarly, a person with diabetes may experience a sudden drop in blood sugar if they catch a virus. It is important to be aware of these potential risks and to seek medical advice if you are worried that you may be at risk.
Include Pre-existing conditions
If you have a pre-existing condition, your travel insurance will likely cover you as long as you purchase your policy before your trip. Pre-existing conditions are generally any medical conditions that you have before purchasing your policy. Some policies will exclude coverage for certain pre-existing conditions, so it’s important to read the fine print and understand what your policy covers.
Emergency dental treatment
If you have to seek emergency dental treatment while you are away from home, your travel insurance policy will likely cover the cost. Most policies will reimburse you for the cost of treatment up to a certain limit. Be sure to check your policy details to see what is covered and what is not.
When it comes to urgent care, it’s important to have travel insurance that will cover you in case of an emergency.
If you’re looking for urgent care consultations at a reasonable price, you’ll want to check out the $20-$25 range. This is a great option for those who need immediate care but don’t want to break the bank. You can find a variety of providers in this price range, so be sure to shop around to find the best fit for you.
Most travel insurance policies will cover emergency medical care if you become ill or are injured while on your trip. This can include urgent care, hospitalization, and even evacuation back to your home country if necessary. Make sure to read the fine print of your policy before you buy it to be sure that it meets your needs.
Cover Adventure sports
Travel insurance policies typically cover a wide range of activities, including adventure sports. However, it is important to check with your insurer to make sure that your particular policy covers the activity you are planning to do. Some policies may exclude certain activities, or may only offer limited coverage.
Check Age limits
Most travel insurance policies have an age limit of 65 or 70 for primary insureds. This means that if you are over this age, you will not be able to purchase a policy from that insurer. However, some insurers offer “extended stay” or “long-term” policies for those over 65. These policies typically have higher premiums and may have more restrictions than regular policies.
Include Policy documents
There are a few different types of policy documents that are given by travel insurance companies. The most important one is the policyholder contract, which outlines the terms and conditions of the insurance policy.
This document is important because it explains what is covered by the policy and what is not. It also includes information on how to make a claim and what to do if you have a problem with your policy.
Other policy documents include the certificate of insurance, which outlines the benefits of the policy, and the schedule of benefits, which lists the coverage limits for each type of benefit.
Now, let’s look at some frequently answered questions.
What policy maximum should I choose for my parent’s visitor insurance?
There is no definitive answer to this question as it depends on a number of factors, including the age and health of your parents, the length of their stay, and the activities they plan to undertake while in the United States. However, as a general rule of thumb, it is advisable to choose a policy with a maximum limit of at least $500,000.
Which visitor insurance should I buy in the US for my parents who are coming from India?
There is no age limit to buying visitor insurance for parents. However, some insurers may have an age limit for the primary insured person. For example, some insurers only offer coverage to primary insured persons aged 18-65.
How much does travel insurance for parents visiting the USA cost?
There is no definitive answer to this question as the cost of travel insurance for parents visiting the USA will vary depending on a number of factors, such as the age and health of the parents, the length of their stay, and the type of coverage they require. However, as a general guide, travel insurance for parents visiting the USA can cost anywhere from $30 to $100 per person, per trip.
Which is the best insurance for parents visiting USA?
The best insurance for parents visiting USA is Atlas America and Safe Travels USA Comprehensive. The best insurance for parents visiting USA is comprehensive travel insurance plans as they offer more features and coverage than limited plans. The best insurance plans to buy for parents visiting USA are Atlas America, Patriot America, Safe Travels USA etc (see full list above).
Is travel insurance necessary for USA visitors?
No. Travel insurance is not mandatory for US visits but it is highly recommended, as medical expense in the USA is very high.
Where to buy travel insurance?
The best place to buy travel insurance for the USA are online websites like Insubuy or directly from the company. Companies like Insubuy have price comparison engines and more details sometimes than direct company websites.
Which travel insurance should I buy?
It would depend on your age, duration of the trip, etc. Atlas America, Patriot America Plus, etc are all amazing travel insurance plans.
How to buy US Travel Insurance for my parents?
In the US, you must purchase private health insurance for visitors. There are various plans with varying levels of coverage, so do your homework before settling on one.
You may shop for your parent’s health insurance on comparison sites like Insubuy.
What is included in the travel insurance plan for my parents?
There are some medical treatments that all insurance carriers cover but to various degrees. Compare several visitors’ health insurance policies for your parents to choose the one that best suits their requirements. Most health plans cover the following medical procedures:
- Doctor’s consultation
- The hospital room cost
- Prescription medication prices
- Surgical methods
- Ambulance and ER services
- Lab and X-ray fees
- Physical Therapy
Some plans do not cover the following.
- Dental, Maternity, Pregnancy
- D&D (accidental death and dismemberment)
If you’ve bought any of the plans above or have experience buying travel insurance for US visits, please share below in the comments.